For general contractors, subcontractors and specialty trades

Contractor insurance, placed in 48 hours.

General liability, workers comp and commercial auto for the trades. Aiden Risk compares 100+ carriers, and a licensed specialist builds the submission before it goes to market.

Get my contractor quote Talk to a broker
  • 100+ Carriers
  • 140+ Risk Signals
  • 48-Hour Placement

Get your contractor quote.

Tell us what you build and what your contracts require. A licensed specialist comes back with real options, not one carrier's price.

Prefer to talk? Call (650) 292-2812

Coverage we place

The lines a contractor actually gets asked for

Placed as one program across 100+ carriers, so the gaps between policies belong to someone rather than falling between two brokers.

General Liability

Third-party injury and property damage on the job site, plus the additional insured endorsements your GC asks for.

Workers Compensation

Statutory cover for your crew, with class codes and experience mod reviewed before we take it to market.

Commercial Auto

Trucks, vans and trailers, including hired and non-owned exposure when crews use their own vehicles.

Tools and Equipment

Inland marine cover for the kit that does not sit in a building overnight.

Excess and Umbrella

The limits your contracts require, layered above your primary general liability and auto.

Builders Risk

Course of construction cover for the structure, materials and equipment while the job goes up.

Built for the trades

Whatever you put your name on

How it works

From first call to bound in three steps

  1. Tell us about the work

    The trades you run, your payroll, the vehicles you operate, and what your contracts require you to carry.

  2. We take it to market

    A licensed specialist builds the submission and places it across the carriers that actually write your trade, from 100+ markets.

  3. You bind and get certificates

    Coverage goes in place and your specialist issues certificates against the requirements in your contracts.

FAQ

Contractor insurance questions, answered

What insurance does a general contractor need?

Most general contractors carry general liability, workers compensation and commercial auto as the base, then add tools and equipment, excess or umbrella limits, and builders risk depending on the job. In practice your contracts set the floor, and the requirements vary by state and by owner. A licensed specialist reads those requirements before quoting rather than after.

Do I need workers comp if I only hire subcontractors?

Usually yes. Many states require it regardless of how you staff jobs, and most general contractors will not let you on site without it. If a subcontractor lets their own coverage lapse, their crew can land on your policy at audit and you pay the premium for it. Collecting a current certificate from every sub is what prevents that.

Can you add additional insured and waiver of subrogation?

Yes, where the carrier and the policy form allow it. These are the endorsements general contractors and owners ask for most often, and a missing or wrong one is the most common reason a certificate comes back rejected. We check them against your contract before you need them.

How is Aiden Risk different from my current broker?

Most brokers place a policy and come back at renewal. Aiden Risk monitors 140+ risk signals year-round, so when you add a crew, buy a truck or take on a new class of work, the gap surfaces then rather than twelve months later. Every account still has a licensed specialist on it.

Free toolWill your COI get rejected?Answer a few questions and see the Additional Insured, waiver, limit and liquor liability gaps that get certificates bounced by GCs, landlords and venues.Free toolWhat is your experience mod costing you?Turn your workers' comp mod into dollars, check your NCCI worksheet, and see what one more claim would do to your premium and your bids.

Get covered without making insurance your second job.

Aiden Risk places contractor coverage across 100+ carriers and keeps watching it after the policy is bound.

Prefer to talk? Call (650) 292-2812